Vehicle Loans

Our low rates and simple approval process make it easy to get behind the wheel of a new car. We offer the same rate for new and used car loans. Our flexible terms make it easy to find a payment that fits your budget.

If you already have a car loan with another lender, we may be able to lower your monthly payments with our simple refinance process. Find out how much you may be able to save with Loan Saver. Our online calculator can determine if you can save money on your existing loans by refinancing with us. It's free, simple and you can calculate potential savings in just minutes.

Receive a loan decision in minutes! Apply online or call a member service representative at (888) 858-6878 for an instant loan decision.

Annual percentage rate (APR) as of January 10, 2018 and is subject to change. Lowest rate quoted. Rate may be up to 14.09% APR above quoted rate based on credit qualifications. Quoted rate assumes a 0.25% APR discount for borrowers who maintain a Relationship Checking account. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications and eligible collateral. Maximum term varies based on loan amount. A $200 fee applies to reduce the rate of an existing PSCU loan. Loans subject to all credit union policies and procedures. Call for details.​ Representative example: Pay $15.15 per month per $1,000 borrowed for 72 months at 2.90% APR.

1% Cash Back Offer: Offer subject to change without notice. Cash back incentive is 1% of the refinanced loan balance from another lender to Pacific Service CU to a maximum of $300. Minimum loan balance is $4,000. Existing Pacific Service CU loan balances do not qualify. Cash back will be deposited to the savings account at the time of funding. We reserve the right to retain incentive dollars if the loan is closed, paid off or refinanced within the first two years. Accounts must be in good standing to receive rebate. Some restrictions may apply.

90-Day Payment Deferral: Offer subject to change without notice. Payment deferral is optional. There is no fee for the 90-day payment deferral. The interest on the loan will continue to accrue. The deferred payment(s) plus any additional accrued interest will be paid at the end of your loan. The first payment will be due 90 days from the date of booking. Other restrictions may apply.

Loan Saver: The Loan Saver service provides an estimate of potential loan savings, if any, by refinancing existing loan balances from another lender to Pacific Service CU. The potential savings calculation is based on the annual percentage rate (APR) that you enter for your existing loan against the quoted APR offered by Pacific Service CU for the remaining term of your loan. APRs and potential savings calculations may vary and are not guaranteed. All savings calculations are estimates.

Our low rates and simple approval process make it easy to finance a motorcycle. We offer the same rate for new and used motorcycles. Our flexible terms make it easy to find a payment that fits your budget.

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